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Retirement income articles.

We've put together a collection of short articles and guides aimed at customers who are looking for help with their annuity purchase and securing a retirement income.

Each focuses on a specific aspect of buying an annuity, so the information is easy to digest. Whether you prefer to pick one or two of particular interest or read them all in sequence we hope they'll help to fill in the gaps to help you make an informed decision at retirement age.

Annuity Buying Choices and Decisions (ABCD) series PDF: 148KB
Annuities - a quick guide
The basics; What is an annuity, how do you go about buying one and what choices you have.
Before buying an annuity
What to consider before buying one; When to buy, tax-free cash, getting advice and your options.
Choosing an annuity provider
You're free to choose your annuity provider. Income from different providers can vary significantly.
Deciding when to buy an annuity
How your choice of when to buy your annuity can have a big impact on your retirement income.

Pension Annuity Income Decisions (PAID) series PDF: 168KB
Deciding how pension annuity income is paid
Your income can be paid in advance or arrears on a monthly, quarterly, half yearly or yearly basis.
Deciding whether to add yearly increases to income
You can choose a fixed retirement income or one that increases from a lower starting level.
Deciding whether to provide a dependant's income
You can choose for an income to be paid to your spouse or named partner after you die.
Deciding whether to add payment protection options
Adding these options will help to ensure that an income is paid from your annuity for longer.